Variable rate

Fixed rate

1-5 years flexible loan term

From 12.99%p.a. fixed interest rate *

14.06%p.a. comparison rate^

Set repayments for simpler budgeting

* Our risk-based pricing means the loan interest rate may vary between 12.49% p.a. and 19.99% p.a. depending on our credit assessment and the detail in your application. Interest rates may change and margins may apply in some circumstances. Your loan is more likely to be approved if you’ve been with St.George for six months or more.

Repayment calculator

This calculator helps you estimate how much your personal loan repayments could be#.

I'm interested in the following type of rate

FixedVariable

I would like to borrowYou can borrow between $2,000 - $40,000

I would like to borrow $

Over a loan term of (years)You can select a loan term between 1 and 5 years

Over a loan term of (years)You can select a loan term between 1 and 7 years

Key fees

$150Early repayment fee if you fully repay the loan within the first 12 months
(you will also have to pay break costs on early repayment of a fixed rate loan)

$100Early repayment fee if you fully repay the loan after the first 12 months and before the end of the loan term (you will also have to pay break costs on early repayment of a fixed rate loan)

$9Fee when a direct debit order for payment from another institution is dishonoured

What is a break cost? Break costs are an amount equal to our reasonable estimate of loss if you break a fixed rate loan term. You’ll need to pay break costs upon early payout or partial payment (in excess of the limit set out in the loan terms and conditions) of a fixed rate loan.

Not right? Try these

The advice on our website is prepared without knowing your personal objectives, financial situation or needs. Before you act on this or any advice, please consider if it's right for you. Read the above product disclosure documents as well as the Online Banking Terms and Conditions (PDF 616KB) before making a decision and consider whether the product is appropriate for you. If you need help, call 13 33 30.

^ Comparison rates help you understand the true cost of a loan. They usually include the annual interest rate plus most fees and charges. The above comparison rates are based on an unsecured personal loan of $30,000 over 5 years and are only true for this example. Interest rate ranges and representative examples are: Based on an unsecured loan of $30,000 borrowed for 5 years with the minimum interest rate of 12.49% p.a. (13.37% p.a. comparison rate), the estimated total amount payable including fees is $41,470; and with the maximum interest rate of 19.99% p.a. (21.02% p.a. comparison rate), the estimated total amount payable including fees is $48,709. WARNING: This comparison rate applies only to the example or examples given and may not include all fees and charges. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan..

# Repayment Calculator assumptions

Length of month All months are assumed to be of equal length. In reality, many loans accrue on a daily basis leading to a varying number of days' interest dependent on the number of days in the particular month. Number of weeks & fortnights in a year One year is assumed to contain exactly 52 weeks or 26 fortnights. This implicitly assumes that a year has 364 days rather than the actual 365 or 366.

Rounding of amount of each repayment In practice, repayments are rounded to at least the nearer cent. However the calculator uses the unrounded repayment to derive the amount of interest payable at points along the graph and in total over the full term of the loan. This assumption allows for a smooth graph and equal repayment amounts.

Interest Rate The interest rates represented on this page are St.George's standard interest rates and exclude any package or promotional discounts and are subject to change.

Please note – For secured loans, if the loan to value ratio of your loan is greater than 150%, then an extra 1% p.a. may be added to the interest rate for your loan. For unsecured loans, your actual interest rate applicable to the loan will be based on the information you provide at the time of your application and our credit assessment.

Any calculation made by you using this calculator is intended as a guide only. It is for illustrative purposes only and is based on the accuracy of the information provided. The calculator does not take stamp duty or other government charges into account. The calculations does not constitute an offer from St.George.

Conditions, fees and charges apply. These may change or we may introduce new ones in the future. Full details are available on request. Lending criteria apply to approval of credit products. This information does not take your personal objectives, circumstances or needs into account. Consider its appropriateness to these factors before acting on it. Read the disclosure documents for your selected product or service, including the Terms and Conditions or Product Disclosure Statement, before deciding. Unless otherwise specified, the products and services described on this website are available only in Australia from St.George - A Division of Westpac Banking Corporation ABN 33 007 457 141 AFSL and Australian credit licence 233714.